Nationstar Mortgage

Due to financial problems beyond my control, I was unable to send my full mortgage payment in December 2011. I wrote a letter to Nationstar to explain what had happened regarding my payment. To make a very long story short, I was denied a mortgage modification and denied a repayment agreement. I was also informed it would not be possible to "tack" the one payment on the back of my loan.

I complained to many agencies. I could not get any help. So I have been paying the mortgage in full since 01/01/12. When I receive my statements each month, I am given a number to call regarding foreclosure. When I called this number, the computer prompt informed me what I owe and a payment is due now. I never talked to a human regarding my situation with this company. When I have spoken with their customer service, I had to deal with uneducated, extremely rude people who seemed to be straight out of the worst ghettos in America.

I have not been employed since April 2011. I am on a fixed income. For me, paying such a high mortgage has been very, very hard for me. I have paid, because I have no place else to go. My next payment is due June 2012. If I pay, the threat Nationstar will foreclose will always be there. I have not received a foreclosure notice, sale date, nothing. I can't continue living like this. I am so stressed out from all of this. Is there anything I can do regarding this predatory lender? They take my money, but they don't have the decency to start foreclosure proceedings or do something to help me stay in the home. In all my many years at this home, I have never had a lender as dishonest as Nationstar Mortgage.

It has been a nightmare to deal with Nationstar. I had First Horizon in which I was going through a modification (which was a nightmare too). My husband's a Union carpenter and lost his job, and the jobs he had were few and far between. We had a second child and could not keep up with payments. When Nationstar bought First Horizon, I had to again go through the modification sending the same paperwork over and over again each month. It was a nightmare. I was harassed by Nationstar and by their creditors. I kept telling them I want to keep my home, I want to pay my mortgage, and that we just simply cannot afford it and just looking for a modification. We are honest people, who just want to keep our home for our two children.

Finally, after over a year of dealing with this nightmare, they approved it. And since the modification, it has been shady as well. They were supposed to include all legal fees/back payments, etc. into our mortgage. So far, they have tacked 2/3 of the payments on "maintenance" fees and "legal" fees. When I called to ask about them, I get a different person each time and they always put me on hold and get back on the phone 5 minutes later to tell me pretty much nothing, that they are "maintenance" fees and "legal" fees. They told me today that my house was going through foreclosure and that is why the fees popped up and they got charged after my mortgage was modified. **!

I asked them to show me proof and documentation for what the fee is, and I told them point blank that I know they can charge whatever they want and peg it as a fee. All the woman could do was tell me that my file says my house was on foreclosure and these fees I have to pay. I am beyond annoyed and need to get the heck out of my home, so I don't have to deal with them ever again! They are lucky to have me, because I will fulfill my obligations and pay my agreed-upon mortgage every month on or before it is due; but to pay the fees (which I already paid because I felt obligated to pay it or my credit would be affected), they have got to be kidding me.

Nationstar added escrow in error - nightmare! I have been attempting to work with them for 4 months! The worst company I have ever dealt with!

Yes, mine was sold to Nationstar from HR Block. Of course I was behind by two payments but HR Block was working with that. Nationstar takes over and I'm getting a statement for being past due and late every month. I don't know what my due date is, and their website has me locked out. You pay by phone and they charge you. They call constantly. In November, I lost my job and had to skip a payment. In December, I called to pay them 2 payments and Larry said he refused to take my payment! He refused to take 2 payments! I demanded a supervisor, was put on hold 20 min. He came back on with no supervisor to talk to. He finally took it but said we had to come to agreement to get caught up. I told Larry we won't come to any agreement.

They bought my loan knowing it was 2 payments behind. I'll continue to make payments and there isn't a thing they can do about it. I told Larry I never wanted to talk to him again, and won't. I sent them a check. I didn't have an escrow with HR Block so with what I've read here, I won't let Nationstar start one. I pay my taxes and insurance. I can see I will probably end up walking away from this house anyway and I'll be glad to stick it to em. Everyone I talk to are dumb, uneducated, rude, ghetto hood rats. They don't have my employer's name or address and they won't ever get it either.

My husband has cancer and we went through a hardship. Yes, we fell behind but we are trying to get caught up. We have sent more than half of what we were past due. Nationstar threatened foreclosure, will not work with anyone and now I have saved to my phone that they have called 15 times in one day. No lie, I have proof. Other days, they will call 7 to 10 times. I get that they want their money, but calling us 15 times isn't going to make it happen any sooner. We have talked to an attorney and we are thinking about suing them for harassment, not for the money but for principle. There is no reason to harass someone that much, especially if they are sick and the company knows this. We sent them doctor statements.

Our mortgage was originally with Citibank. In October of 2009, we were notified that Nationstar had taken the mortgage. We were in negotiations with Citibank at the time to catch up the two payments we missed as a result of a financial hardship. We have been trying to please this company for over two years. We have submitted paperwork every time we were instructed to do so, only to be told several months later that we were in danger of losing our home because a pay stub was not clear when faxed. We have been through this cycle several times. Now, we have been served foreclosure documents. We consulted a lawyer and answered the foreclosure documents ourselves on time and through the court system as instructed.

Now, we have gotten a notice from the Nationstar attorney asking the court for a summary judgment of foreclosure due to our failure to answer the complaint! We did answer the complaint. We are now at the point of looking for rental homes just to get out from under Nationstar. We have owned this home since 1998! We just want to get back to paying our mortgage and have the missed payments either added to the end of the loan or even have the amount added to our payment each month until we have caught up. We have made payments, jumped through hoops and practically begged these people to stop lying to us. They continue. This house isn't opulent or new. It's over 50 years old and in need of work. We can't even repair our fence because we don't know when the house is going to be taken from us.

In September of 2009, I was notified that Flagstar had sold my mortgage to Nationstar. When I finally received contact information from Nationstar, they had incorrect information on me. Every year, they have made a mess of my escrow analysis. This year was no different. After dealing with many years of escrow statements from two different houses and several different mortgage companies, they insist that I do not know what I am talking about. They had to re-analyze my escrow account three times this year because they neglected to automatically drop my PMI, as was stated in my original closing documents (contract) with Flagstar. They then used the wrong history information to re-create the second analysis after I called them complaining. Finally, they figured out that they had done it wrong, again! Somewhere between the first and third escrow analysis, they changed my payment date to be a month earlier, a mere 5 days away.

My payment had already been sent for the previous amount. I was shocked to find a letter in my mailbox stating that a payment had not been received. Funny thing, the check had been cashed more than two weeks earlier, but not credited to my account. When I called customer service (at their convenience!), I was told to calm down. "Patricia," whom I can only assume was using a fake name because I could not understand her "English", told me that a payment had not been received. I explained that my check had been cashed, but no payment applied. I was told that until the full payment (the new one) was made, nothing could be done for me. I needed to call back when they received my check and request the late fees to be taken off. She was not able to explain or even comment on why my payment date was changed. I have never received satisfactory service from anyone I have spoken to at Nationstar Mortgage. I will be doing my best to get out of my mortgage with them as soon as possible. After dealing with several mortgage companies, I can easily say this is the worst so far.

I am going out on maternity leave with my first child. I will be out for 12 weeks, six of which will be unpaid. Despite Nationstar making a mistake with our escrow back in 2007, we have excellent payment history with them and have never asked for anything. They are already ripping us off with the 8% interest, but that is beside the point. I called today to ask for a one month deferment, and take that month's payment to the end of our loan. They are not losing anything. In fact, they are gaining more interest on that payment. I was told no and there are no options for me, and if I am late, I will be hit with a $85 late fee. Really? So that is how you treat people who already struggle but make sure you get your $2,300 every month?

I am 35 years old and this is my first child and now have to go back six weeks early and put my 6-week old in childcare because of this awful company! I am not asking for a handout, not even asking to have interest or payments lowered. All I asked for is to take one payment and tack it to the end of the loan, that is it and they basically told me to go to hell. I am livid and will do anything I can to get out from under this awful company. They are thieves and do not care about their customers, nor are they willing to work with anyone! Clearly from reading all the posts, they are criminals and are capitalizing on others' misfortunes. Disgraceful!

Nationstar calls my home three to four times per day to "remind me" that my payment is due. Also, their late date is after the 16th of the month, but they are also sending multiple payment letters with the same information. The first was dated 4/12 and second, 4/13. I could see sending these letters beginning the 17th or later in the month, but when I am technically not late based upon their terms, it seems to be harassment. Based upon all of the information out there from their customer base, what is being done to curb their relentless tactics against customers who pay on their terms?

We called Nationstar back in January 2012 to ask about a refinance. We were told by the loan counselor that due to some late payments we could not refinance, but should look into modification. He said it would drop the interest rate and if we make timely payments over 12 months we could refinance at that time. We recently received a phone call stating our mod was approved; however, it only dropped our interest a half percent and with property taxes impounded my payment actually will increase $200 a month. How is that helpful? And since our mortgage is not backed by Fannie or Freddie, none of the government programs apply. We just received a packet stating the terms late this afternoon. Of course, no one is available by phone until Monday and we don't want to sign anything yet. Any suggestions?

Nationstar decided to up the amount of our escrow based on their estimation of our taxes by 20%. So, we were told that we were missing $74. We kept getting harassing phone calls stating we had not made our mortgage payment. My husband called, and they told him it was really not the entire monthly payment but this $74 discrepancy in our escrow. They would not provide an accounting of the escrow. The phone operator told my husband that he could just include the $74 in the next house payment. We kept getting computer-generated calls stating we had not made our mortgage payment.

The mortgage and extra $74 were paid, and a few days later, we got a packet telling us the steps Nationstar will take to foreclose on our mortgage. We have lived in our house nine years and never missed a payment. We have never had issues with our previous mortgage company, only Nationstar. The $74 has now cost us 100 points on our credit report. We have never been treated so rudely by any one person or company as we have in a short amount of time by Nationstar. It is convenient that they only recorded one phone call we had with them over this matter.

Reported to Credit Bureau for late payment - My credit report has suffered a hit due to the sale of my home. My payment was due on the 1st of March. The bank had been notified of the sale of the home through the title co. with a date. The closing had got put off till the 30th in which the bank again was notified. We closed on the 30th. 30 days late would have been as of the 1st of April. But I was still reported to the credit bureau. I have been notified that this is not legal.

I have been trying to modify my home loan with Nationstar Mortgage for over a year. They keep asking for repeat information, stating that it was lost, or they never received it! It's like clock work. Every two weeks or so, they request repeat information! After reading this blog, it appears I am not alone. I lost my job because of an injury and am now on Social Security. I have replied to every request that they have asked. I am now selling furniture to keep up with my payment. I was told that I don't make enough to qualify for HARP, which I would prefer. I know I qualify for HAMP! My loan is interest only at 6.5%. Lets be honest. Nationstar can do anything they want to do. There are several condo in my complex that have been for sale for over a year, all in short sale mode. Would the bank prefer that and only get a fraction of what is owed? All I am looking for is to lower my payment and have it affect the principal!

I had my loan sold to Nationstar in September of 2009 by Flagstar Mortgage. I had just lost my job and income at that time, over $100,000. I had started my loan modification with Flagstar when they sold it to Nationstar. For the last 2.1/2 years, I have had nothing but trouble with Nationstar. I have sent then the same information more than 4 times. I got the same line of ** as everyone else.

Up until January 2012, I was current with every payment. At that time, my FICO score was 775. As with all the other individuals that have been screwed over by Nationstar Mortgage, I was lied to and misled as well. I also would like to have a class action lawsuit filed by an aggressive lawyer. They need to be closed down and everyone needs to be compensated.

Well I am in the same boat most of you are in. I have been trying to get a modification for two years, been rejected because the employee typed my information in wrong and by the time it has gone through, their rules changed and the forms changed. I have gone through 6 modifications, and if you have been through one, you understand the heartache it takes on you. I went through a trial period and was assured that after making the payment on time for three months, I would be able to have the modification go through.

However I was told today after I contacted them that the template on all modifications was wrong and no one fixed it in a timely manner, and along with a lot of other people, were rejected because of this. I have been waiting on an answer since October, I was told in February that the papers would be sent to me by the beginning of March. I have been paying the trial period since August when it started. When I asked where my money went, he said "To a miscellaneous account." What!? Another game! They say I have to start over. Oh and be sure to hand in your paperwork within 48 hours.

My husband and I were sought out by Nationstar Mortgage for refinancing to reduce our interest rate. We have a 7% rate and they were offering us 3.25%. In the past year, Nationstar has checked our credit 3 times, appraised the house 2 times. They have denied us the refinance due to "collateral issues". The first appraisal was $175,000 (7/11) and the second was $145,000 (12/11). Our mortgage balance is approximately $56,000.00. The denial letter stated that the second appraiser picked up that the property was a duplex (zoned for multiple-units, unpermitted and unable to find a comparison in rural Georgia). This property is a single family dwelling and is located in North Carolina. Nationstar has been the holder of this mortgage for over 15 years and nothing has changed. We feel that Nationstar Mortgage looked at our age and the equity we have in the home and decided they would drag us down this road until they could come up with something to deny us.

Today, 4/10/12, we received a Pre-Approved Settlement Offer for $50,299.00 which we have no idea what it is for. We are not behind on our mortgage. They are trying to bully us out of our home! We feel we are being bullied by Nationstar as well as being discriminated against, due to our age and the equity we have in the property. We welcome any help or advice.

I was an acquisition to Nationstar from GMAC and it's been nothing but a living nightmare ever since. For some reason that makes no sense to me, Nationstar at random assesses our account $12.15 without notice or warrant at random for what they label "property inspections" on my mortgage account, which is current. I never see a body or am I given notice either by mail, phone or in person when the supposed inspection representative shows up. I have asked multiple times for proof of the inspection/visit or when the next one is scheduled to be done so that I can "meet the guy". I just got told no and disconnected. I have sent a letter requesting the same and got no response. It seems that there are never any nice things said about this company. I seriously think that someone needs to look into their business practices which seem highly questionable and in fact, illegal.

Nationstar was updating their website in February. I tried to log in as usual to make a payment, but the website was down. On February 8th, I decided to call them to find out what the problem was. I was told they were 'updating'. They took my payment over the phone as a courtesy. About two weeks later, I received a call from an agent asking me to make my February payment. He said the account number I provided earlier was incorrect.

Though I've had the same account number for 15 years, I double-checked with him. He insisted it was incorrect. I knew it was not. I tried to explain to him but he did not care. So, with him on the phone I tried to make a payment through their website and their system was telling me the number was incorrect. I said that to an agent still on the phone and advised to double-check their new system as it was not working properly after the so called 'upgrade'. He still insisted it was working fine and I did not know my account number. I told him to try and take my payment over the phone again. He couldn't and did not know how to use their new system! So I logged in to their website and finally, after I added a check number, a payment was accepted. Or so it seemed.

I received another call at the end of February and the same story repeated itself. So, this time I called my bank and had them on a three-way call with Nationstar. The bank agent confirmed my account number was indeed correct. So, Nationstar said that I did not have enough funds on my account that is why a payment was not processed. Well, I did, and much more. An agent from my bank said there were no attempts to charge my account, after quickly verifying that. So, I made arrangement with my bank for them to send a payment to Nationstar. They did and it worked. However, I was charged a late payment fee and had my credit report messed up.

Nationstar did not make attempts to correct their mistakes and have their involuntary customers (my loan was purchased out by them), to pay the price. I forgot to mention, I called the manager, Ryan ** a few times to check on this issue. He never once answered a call or returned my calls after I left messages. I do not understand how such a company can still be allowed to be in business, mess with people's lives over and over, with no repercussions.

I've been trying to refinance/modify existing mortgage for almost 2 years. My current mortgage rate is 6.25% and I've been trying to refinance/modify existing loan for lower mortgage rate. Nationstar keeps giving me the run around and claiming they need another document when they have already received all the required documents, i.e. paystubs, tax info, etc. I just received another letter claiming they need another form which they already have been mailed and faxed. I am very frustrated and have also contact the FTC.

Since June 2011, the nastiness has really started. I have hepatitis C and diabetes, and I am as well crippled. They sometimes call 5 times a day, 7 days a week, harassing me. They always have to get all my information every call, even if I am connected to another person. They constantly tell you they could be trying to collect for debt.

Our taxes were late as they are every year. We always pay late fees but have never been to the point of the county having a lien on the house. Last year, I was in the hospital for care at least 5 times. And my dad died in April. I didn't even go to the funeral in Illinois, as it would cost over $2200.00. I had to pay our mortgage ant taxes by June 30. They had sent notes, saying taxes needed to be paid. I explained they would be paid by June 30 in full and also explained hardships.

Some rude man made a nasty remark and had me crying about my dad. When I asked for a supervisor, he hung up. They drop calls all the time. They said they would open an escrow if I didn't pay them by the end of June. I made the first payment on June 6, the other on June 30. I called when I made the first payment and told them they could check with the county tax people. When I paid the last payment, I sent copies of the receipts to them.

In the meantime, they said they paid $2200 in my taxes and that they opened an escrow and I would have an enormous payment now. They also used my house payments toward escrow and now said I owed house payments as well as late fees. So even if I have paid on time, they constantly have me paying late and charging monthly fees as well as ruining my credit.

I explained this was ridiculous! I had paid taxes on time by June 30 and never signed anything that allowed escrow to be opened anyway. I have been arguing my case since July 2011 and have spoken to at least 40 different people with several saying they understood what happened and would get it fixed. I sought legal help who told me to put it in writing and send it and see if it could be fixed. No! They string you along, charge more, and lie more.

Sutter County Tax have no record of any payment from this company on my taxes. The county gave me the name of the company in California that does large tax payments for Nationstar. I called them and was told there is no record that they made a payment on my parcel in July. They showed a payment of less than $1000 for the first installment due in December 2011, and it was made.

When I told them this, I was accused of getting a refund from the county and using it. Then they sent remodification paperwork twice. I finally worked with Hope Solutions, and we agreed the mess needed to be fixed before I went forward. They actually approved us, but we had to stop the process due to the mess.

On a 3-way conference call that was recorded, they lied and couldn't say where the money went in July, have different amounts that don't add up, and were rude again. They wanted to do the remodification and sweep the mess under the rug. That way, they could collect or cover for all the mismanaged money they stole from us. They sent a paper to sign to allow them to open an escrow if I'm late on taxes. I will be seeking legal help again. I hope I can sue them!

My loan was sold to Nationstar in November 2011. I spoke to Brian ** to inquire about a refinance to a better rate on December 27, 2011 (I have no issues that affect qualification). I was sent to another person, Madra **, who didn't seem to know much. In fact, she continually asked me for the same documents over and over again. In fact, they asked me for my tax and insurance statements that they pay through escrow?

I still have not closed on this loan (March 27, 2012). I just got a new fee statement for potential closing costs, and they added a $801 charge for a lock extension (because they are taking so long!), along with the addition of $4100 for a rate buy down that was never agreed upon. This company is not acting above board. I'd be interested in having them audited, so more people don't get strung along!

I sent info for a modification back in November. They have played so many games with us, we are still waiting for help and this is March of the following year. I never talk with the same person. They keep asking for paperwork that we already gave them more than twice. They're supposed to get us an answer within thirty days and we have been doing this for five months.

I have been a loyal customer for over 4 years and you bought my mortgage from another lender. On 3/8/2012, I tried to refinance with a girl named Jan **. I have never been late on one single payment, but the debt ratio is too high. Well if you would refinance me, I would be able to lower it and get better interest rates. Your company could care less about me, or in this economy, try to help a client out. But hell no, why do you need to? I'm obligated to you for 30 years. Your company might have tried harder to help out. Thanks for nothing. It would have been nice and less greedy of your company.

Our loan was acquired by Nationstar 3 or 4 years ago. Every year since that time, we have had nothing but problems with them getting our escrow account correct, and this year is no exception. The first year, we were overcharged. The second year, we were supposed to get a refund for the overage. Several phone calls later requesting our refund and being told that was a mistake and that we actually owed money, we finally reached someone with some intelligence who re-ran our annual escrow statement. We did receive our overage amount. Unfortunately, the next year we were undercharged for our escrow and consequently, had to make it up the next year. Thought it would straighten itself out for the following year, but more mistakes were made. I just printed out the annual escrow disclosure statement for this year to find mistakes again. Even though our taxes are going down, they are projecting them extremely high.

I called to get an explanation, I was told it would have to go through research and I would have to call back in 7-10 days. I have never dealt with a mortgage company that does business this way. Come to find out, they are a collection agency and not a real mortgage company. Nationstar failed to pay my homeowners insurance in 2011 and my policy was canceled. Why are they collecting escrow? Many phone calls later and time wasted on the phone, it was finally paid and policy was reinstated. Now I get a call from my accountant to learn that their Annual Tax and Interest Statement property tax amount does not match the actual tax bill receipts that I received as paid. It's off by over $500. I don't think this company should be in business. This is absolutely ridiculous. I highly recommend anyone who is considering them to run as fast as you can. If this loan isn't going to be paid off in the next 6 months, I would refinance and should have after having problems the first two years.

I am no longer employed. I receive SS and retirement. It's very hard to pay such an over the top payment. I missed payment in December 2011 because I had made mistakes with my checking account. I did not have the money to send for payment because I had to pay the bank back. I contacted Nationstar explaining what had happened. I received a letter from Nationstar dated 12/23/11, stating I may be eligible for a loan extension eliminating past due amounts. I was happy because I was just going to try and continue paying the huge amount even though it was a big strain. I called for more information regarding this letter. I was transferred to a very rude customer service worker. This woman told me to basically disregard the letter and send Nationstar approximately $2,420.00. I must state I sent this company $1000.00 in December 2011 minus the $620.00.

Anyway, I contacted Nationstar through the mail complaining about the this woman. I stopped trying to call this company because they would just disconnect me. In January, I received a letter dated January 3 stating I could lose my home even though in January and February, I sent the full amount of the mortgage payment including late fees. I wrote this company another letter stating I only receive SS and retirement and no longer employed because of health concerns. Surprise! I received yet another letter dated February 9, 2012 stating I may qualify for HAMP assistance. I had my reservations, but I sent in all the paperwork they asked for including my counseling with a housing counselor, monthly bill health insurance - everything they required. Information was copied and signed and I mailed documentation on 02/14/2012.

On or around February 28, 2012, I received a call from yet another very rude customer service worker from Nationstar, asking if I was going to send March mortgage payment. I stated I was, but my retirement check is deposited on the first and that is when I would mail the check. At this point, I was trying to hold my temper and be calm because he was talking to me in a very rude and very intimidating way. I asked him about the Making Home Affordable Program I had applied for. This man stated I did not qualify for this program because I did not obtain the house through FHA. Please let me inform everyone, if it was not for the Federal Government and Fannie Mae giving me $8000.00 for down payment and closing cost in 2002, I would not have been able to purchase this home. When I was called eleven years ago stating I could look for a home, I was so very happy. Thanks to the USFG and Fannie Mae.

Over the years, I admit I have made mistakes with refinancing and modification companies who have ripped me off. I am 63 years of age and I have learned my lesson the hard way. The last three mortgage companies have been predatory lenders. Taylor, Bean and Whitaker, RoundPoint and now, Nationstar who is by far the worst. I just mailed Nationstar $1,619.98 even though I have paid the full amount since 01/01/12. This unethical mortgage company is still trying to start foreclosure. I do not know what I am going to do. I contacted the counseling service for assistance as well, but I'm dealing with a predatory company who enjoys intimidation and preying on minorities and the elderly. I just received a call today, Sunday 3/4/2012, from Nationstar. I need help so bad Nationstar needs to be investigated by the Federal Government. They treat people so bad and it needs to stop. I do qualify for the HAMP. Nationstar is being so dishonest. Thank you.

We received a letter on January 13th stating that we qualify for trial payments for a loan modification. All we had to do was make the first payment on February 1st in the amount listed in the trail payments. I called to clarify my concerns and ask some questions on 1/23 in which case, we were ready to proceed and made our first trial payment. On 2/16, we received a call stating our payment wasn't received. I mentioned to the gentleman on the phone that we paid a less amount because of the letter we received for and he went on to finish my sentence "trial payments" and that the "paperwork must not have caught up yet " Well today, 2/29, I received my regular statement and it showed we have not made any payments since January (I have made my February payment and my March 1st payment).

My husband also received an automated call, telling him to call them at his earliest convenience. So I made the call this afternoon to find out what's been going on. The gentleman (Shawn) who "helps" us, pull up our information and proceeds to tell me that we are not on the trial payments. I informed him we were, as we had received the letter indicating we were. He said that he was going to research it. He put me on hold, came back on the line and said that there was another test they had to run and that he was going to transfer me to that department. No one answered, and when Shawn picked back up the phone, he stated that we were in the trial plans, and now we were not pending this "test". No one ever called us to let us know, and we didn't fall out of compliance with the requirements of the trial plans. Now, we are expected to pay late fees, and come up with the difference of the loan, instead of the original agreement where the payments would be reduced by interest, and the remaining payments (from the other portion of the trial payments that weren't paid) would be absorbed into the loan. I asked to speak to a supervisor. I was put on hold again. . . Later, Shawn came back on and said that there was no one for me to talk to. Anyways, we have this letter, this "offer" from Nationstar, and in order to accept it, we had to make a payment, which we did. According to the terms of this offer, there were certain things that could disqualify you, and we did none of them. Shawn stated it was a "mistake".

We have been trying to get help with our house for over three years now when our income reduced to 1/3 of what we made before, and put our income about $800 below our expenses. We applied three times for the MHA program; in which case, they lost paperwork, would request additional documents days before the deadlines, and sometimes the deadlines for certain needed documents would lapse without our knowledge until we received a rejection letter. This was our first glimmer of hope and it was a mistake? Really, how stupid do you think I am Nationstar? Most of your customers might think that story makes a lot of sense, but it is so convenient to not have the same people dealing with the same customers, and it's so convenient that no one is available to talk to. If I was a supervisor, I would hide too!

Our loan was sold to Nationstar in Nov. 2011. We were asking for a loan mod since our income had dropped drastically at that time and we were not late. We had a hard time getting in touch with anyone. When we finally did, they lost our paperwork over and over. After almost a year, we were late by this time, they told us to "wire" them money on the 23rd for 3 months then a mod would be formalized. After our 2nd payment, which was 2 months later, we received paperwork changing the months. A month after that, we received paperwork increasing the payments by $1,000 a month and the paperwork showed they had written in our income in the Affordable Housing Program $2,000 higher than it actually is.

I called them to adjust this and they said there was nothing they could do. I've been trying to call them today but no one has answered and I have been on hold for over 2 hours. They are incompetent or fraudulent, not sure which it is at this point.

Since taking over from Principal Bank, we had multiple billing this August. We paid them on time, but after being told in late September that we paid one too early, I have not been able to get anyone at all to help or correct their mistake. I have been dealing with this every month since then and now they keep applying payments to principal, which shows I am late yet again. I never had a single problem with Principal the previous three years. They are of no help at all and give me the runaround. I was told if I pay early, that goes towards the principal but no one could tell me how early is too early. This is a scam to force me to pay back principal when I am not in a position to do so at this moment. Please help!

I lost my house in a fire on 2/9/11. My insurance company xld my coverage because you can't insure a house that doesn't exist. I've had dozens of calls to the escrow department about this and they insist that I need coverage and had me insured under their own insurance, which was 4 time the cost of my own. I sent copies from adjuster showing that the house was a total loss and that I was waiting for a settlement check in order to pay off the loan.

On December 27th, 2011 I sent Nationstar a check in the amount of $319,239.42, which was payable to me and Nationstar and endorsed by me. I have a postal receipt showing that they got the check on 1/2/12 and to date I haven't received a check for the overpayment. I've called every day and sent several emails to get this resolved. I need the difference so I can start rebuilding. I get a runaround every time I call with comments that they are showing the mortgage paid off on 1/31/12 and that it will take 31 days for the check to be issued. I don't know how they stay in business. This is the worst customer service I've ever received. It's hard enough loosing everything you have and then have to deal with them.

Nation Star does not apply the money I pay each month that is over the full amount I owe. I have noticed in reading the complaints that no one has filed a complaint with The Office Of the Comptroller Of The Currency. I am going to do that so I can get some attention. I am not young, I am supporting my son and my 89 year old mother. I wanted to reduce the amount I owe by making extra payments every month while I can still work. I have reported bad service and mistakes on mortgages to The Office Of the Comptroller Of The Currency in the past 2009 and they pay attention. Have your information ready so you can cut and paste it because the web site you post your complaint times you out in 20 minutes.